Hi everyone. Just a question about deletions, corrections. I had the following accounts listed on my CB and was wondering if the changes listed next to them would show any increase or difference in my fico:
Wells Fargo Auto - Was showing charge/off 0 balance. Finally got them to correct it to read paid as agreed, never late, 0 balance. DOLA 7/2005. The account was never charged off, long story, but I finally got them to see the light and make the correction.
BOMC - collection account for $54.00 - Collection acct paid. Got a paid for delete.
2 Cap 1 showing small balances owed - charged off accounts, but showing past due. Indicated that they would correct trade lines to read included in BK [not sure if this will help or hurt, but it was reported incorrectly with a balance owing]
BTW BK was dismissed in 4/2005 [all accounts that were included were paid, although some remain in dispute. Will the BK being two years out have any effect on the FICO?
Also have an AMEX as an AU, however, balance continues to be included as part of my DTI ratio. Don't know how to take care of that one. FICO simulator indicates that if DTI brought down, score would go up like 60 points [not sure if I believe that]. If the AMEX card did not show in my DTI, DTI would be somewhere less than 20%, probably not even that much.
Thanks.
